Frequently Asked Questions

You can activate your debit card using the Card Management feature in Digital Banking or by calling 866-762-0558.  You will need to call from your primary phone number to complete the activation process by phone. Regardless of the activation method you you chose, you will be able to select your PIN during the activation process.

You can inform us of upcoming travel using Digital Banking.

For debit cards: Under the Accounts menu, navigate to Card Management.  Select the debit card you will use while traveling, then Travel Alert. 

For credit cards: Under the Accounts menu, navigate to Visa Credit Card details to access the MyCardInfo site.  If you have multiple cards, select the card for travel. Then, under the Account Services menu, select Travel Center.  

You can also give us a call or visit a branch for assistance. 

You will need to make sure you have the wallet application installed on your device.  You will need your full card number, the expiration date and the CVV number.  If you don't have your physical card available, these card details are available under Card Management in Digital Banking.  If you experience any issues with the activation process, give us a call. 

You can set or change your debit card PIN using our digital banking platform.  This option is found under the Card Management widget.  If you don't use digital banking, you can call 888-762-0558 to set or change your debit card PIN.

LOC members enjoy fee-free deposits and withdrawals at ATMs in the CO-OP network.  Find one near you. Otherwise a $1.50 fee applies.  A $2 inquiry fee applies to all machines not owned by LOC.

There is no fee when using your LOC card at an LOC ATM.

You can use the Card Management Tool in our Mobile App to request a new card. Note that this should only be used for cards that are damaged or no longer working and not lost or stolen.  If you don't use our mobile app, you will need to contact us to get a replacement card.  Instant issue cards are also available at our branch locations. 

Before contacting us, please make sure you did not block the card using our mobile app. If you did, you can un-block it within the app.  Otherwise, please contact us so we can help you. 

If your VISA Debit Card is lost or stolen:

• Call 888.241.2510 immediately  to report it lost or stolen and to receive instructions on how to reorder your card. Call 909.941.1398 if you are outside the U.S.
• If you use our mobile app, you have the ability to block the card under the Card Management Feature
• Monitor your account for fraudulent transactions

By reporting your card lost or stolen any Digital Wallet transaction associated with your physical card will be blocked. It is recommended that you remove the lost or stolen card from your Digital Wallet on your device and add your replacement card once it has arrived and been activated.

Once your card is unblocked, you may resume using it for transactions.

Your daily ATM limit is $1010. Your daily Point of Sale (POS) limit is $2,500.

For brand new cards, you can expect your card to arrive in 7 to 10 business days after it is ordered.  If you use digital banking, you new card details should be available under the Card Management widget and can be used for online purchases

For cards that are expiring, you can expect your new card prior to the last calendar date of your existing card's expiration date.  For example, if your card expires 1/2025, your existing card is good through January 31, 2025, or until your receive and activate your new card.

Our debit and credit cards are eligible to use the block card feature.

Account authorizations may be greater than the purchase when the final amount isn’t known. For example, your card may be authorized when pumping gas for a greater amount because the final transaction amount is unknown at the time of authorization. Most of these transactions have less than a 24-hour hold, and financial institutions are required to remove all holds within 72 hours.

No, the card will still show in your mobile wallet, but authorizations will be declined.